Program Design

The Documentary Stamp Surtax program requires that at least 75% of the funds allocated to each successful agencies are to benefit low-income families (those with income of 80% or less of the area median income (AMI) for Miami-Dade County) The remaining 25% are to be made available to moderate income families (those with income of up 140% of the AMI).

Eligible Activities

Education and counseling services must include such topics as: types of financing, how to find appropriate financing, fair housing practices, credit counseling, budget and money management, financial literacy, selecting a neighborhood, consideration of schools, employment and transportation, how to locate a home, how to negotiate a purchase price, home maintenance, the mortgage approval process and post-closing education and counseling, and inspections and repairs.

Minimum Threshold Requirement

All applicants must be a US HUD approved Homebuyer Education and Counseling Agency. Proof of this required designation must be provided at the time of application in order to be considered for funding.

Housing Counselor(s) who are administering the workshops must have certification that is approved by U.S. HUD. The Agency must have a reporting system that tracks the number of homeowners funded by Miami-Dade County resources. A monthly report is required at the time the Agency submits for payment.

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